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Popular Frequently Asked Questions

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What does LifePlan mean by Downsize/Equity Release?
Downsize / Equity Release is where you release all or a proportion of any equity that has accumulated in your home by either selling or re-mortgaging your home. LifePlan asks you if you wish to repay any outstanding mortgage with the equity that is released.  Note: If you plan to sell your home to fund care home costs please answer ‘no’ to Downsize and complete the Care Home Costs section in Expenditure.
Why doesn't LifePlan calculate Capital Gains Tax (CGT)?
LifePlan cannot accurately calculate any future Capital Gains Tax liability as we do not request the purchase price or purchase date of any asset and we cannot calculate any relief that you may be entitled to in a year when an asset is sold.
Where do I enter the income tax deducted from my income.
LifePlan automatically calculates your income tax and shows your net income in the Income Breakdown chart.
I am taking a tax-free income from my investment (insurance) bond, where do I enter this in my LifePlan?
As you are receiving tax-free income, you should enter this bond in the Assets and Other Tax-Free Savings section.
What does LifePlan mean by ‘surplus’ in the Lifeplan Desired Income chart.
This is the amount of planned income in a year that is in excess of your selected Desired Annual Income.

Retire Easy Ltd.

RetireEasy is the UK’s only independent retirement planning tool. LifePlan gives you an overview of all of your assets – including investments, pensions, savings, business assets and properties – and the income you will receive after liabilities such as debts, mortgages and income tax. It is not just a snapshot, but shows you how your finances will evolve throughout your retirement.

Premium LifePlan not only provides live updates on stocks and fund values, provided by Morningstar, and you can model a Lifetime Mortgage, create and compare up to 3 scenarios of your financial future, radically reduce life insurance costs through a Life Assurance Premium Checker and you can print user-friendly narrative reports.

RetireEasy was established in 2011 and has helped thousands of users to understand their finances throughout retirement and adjust their plans to ensure that their money will last.


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New features on RetireEasy.

Not yet retired?

You can now include all your additional savings, investments and Pension Contributions between now and your retirement, taking into account increasing these Additional Contributions year-on-year and stipulating whether these are one-off or recurring contributions. As always, you can revisit these projections and change them at any time either when your expectations change, or you have real numbers to replace projections already made.

New useful charts?

There are now three additional charts, further breaking down your assets and income.

Download your data in a spreadsheet?

You can now also download spreadsheets giving you the opportunity to view all of your entered information, and your entire LifePlan in one glance.

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